Medicare Coverage for Veterans and Tricare Recipients
Maximize Your Health Coverage with Medicare, Tricare, and VA Benefits
At ACBS Insurance Services, we are honored to support veterans and their families by helping them navigate the complexities of healthcare coverage. If you have Tricare or VA benefits, understanding how these programs work with Medicare can be confusing. Our team is here to help you make the best decisions for your health and ensure you maximize your coverage.

Understanding Medicare and Tricare for Life
For veterans and those with Tricare for Life, enrolling in Medicare is crucial once you turn 65. Tricare for Life works as a secondary payer to Medicare, covering many of the out-of-pocket costs that Medicare doesn’t, including copayments, coinsurance, and deductibles. Here’s how the two programs work together:
Medicare (Primary Payer)
Covers hospital services (Part A) and medical services (Part B).
Tricare for Life (Secondary Payer)
Pays remaining costs not covered by Medicare, ensuring minimal out-of-pocket expenses.
Veterans Affairs (VA) Benefits and Medicare
If you receive Veterans Affairs (VA) healthcare, you might wonder if Medicare is necessary. While VA benefits provide excellent care, they are only usable at VA facilities. Enrolling in Medicare ensures you have coverage outside of the VA system, allowing you to visit civilian doctors and hospitals when needed. Medicare can work alongside your VA benefits to provide more flexibility and access to healthcare services.

How ACBS Helps Veterans and Tricare Recipients
Navigating multiple healthcare programs can be overwhelming. At ACBS, we provide personalized guidance to veterans and their families, helping you make the most of your Medicare, Tricare, and VA benefits. Here’s how we can help:
Enrollment Assistance:
We guide you through the Medicare enrollment process to ensure you maintain your Tricare or VA benefits.
Plan Comparisons:
We’ll help you compare Medicare Advantage, Medigap, and prescription drug plans to find coverage that works with your military benefits.
Ongoing Support:
Once you’re enrolled, we offer ongoing support to ensure your coverage continues to meet your needs.
Frequently Asked Questions
Do I need Medicare if I already have Tricare or VA benefits?
Yes. If you have Tricare, you must enroll in Medicare Part A and B to maintain your Tricare for Life benefits. If you have VA benefits, enrolling in Medicare ensures you have coverage outside of VA facilities.
Can I use Medicare and VA benefits together?
Medicare and VA benefits do not work together, but you can use them separately. VA benefits cover care at VA facilities, while Medicare covers care at civilian hospitals and providers.
What happens if I don’t enroll in Medicare on time?
If you don’t enroll in Medicare Part B when you’re first eligible, you may lose your Tricare for Life coverage and face late enrollment penalties.
Get the Coverage You Deserve
At ACBS Insurance Services, we’re committed to helping veterans and military families navigate the complexities of Medicare, Tricare, and VA benefits. Our expert team is here to ensure you get the most out of your coverage and protect your health for the future.
